I approach writing female characters the same why I approach writing male characters. I never think I'm writing about women, I think I'm writing about one woman, one person. And I try to imagine what she is like, and endow her with a lot of my own thoughts and history.
For me, it's not about price. It's about necessity, quality, and usefulness. Like, I have my Wet N Wild 666 lip liner. It's 99 cents and always has been. I started using it when I was in high school, and it's great.
Life was very simple. My parents had come from the North of England, which is a fairly rugged, bleak, hard-working part of England, and so there was not the expectation of luxury.